Professional Adviser is delighted to announce the launch of the new Working Lunches in partnership with Baillie Gifford and First State Investments. Travelling across the UK to provide valuable market insights for Senior Financial Advisers.

Despite the underperformance of fixed income we discuss in this Spotlight guide why the value proposition of the asset class hasn't gone away. In particular we review how the RLAM management team use existing, proven funds to actively manage consistent monthly income streams and adapt the portfolio to changing interest rate and credit market factors.

Within this guide, you will find some surprising survey results from FE, a selection of adviser opinions and some Architas views too. We hope this guide will provide you with some food for thought on this burning issue.

Meet the Adviser Champions: Nucleus's David Ferguson

Our video series continues

David Ferguson: "Risk should be measured as the likelihood of not achieving the client's personal outcome - not what we have at the moment, which tends to be one-dimensional volatility in the investment sense."

Fees across the whole value chain of advice could amount to as little as 1.2% in five years' time, predicts Nucleus chief executive and founder David Ferguson.

He and his colleagues at Nucleus have a working hypothesis that end-clients are currently charged an average of 1.8% across the full value chain but he expects this to drop by around a third in the coming...

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